NBAD Balance Inquiry: Mobile, Online, ATM & SMS
Looking for NBAD balance inquiry? You’re in the right place. Since NBAD merged with First Abu Dhabi Bank (FAB) in 2017, all NBAD services like salary cards are now under the FAB banking system. Go to the NBAD balance check section to check your salary or ATM account balance.
NBAD & What Happened to It?
The National Bank of Abu Dhabi (NBAD) was one of the UAE’s leading banks. In 2017, it merged with First Gulf Bank, forming FAB – the largest bank in the UAE.
NBAD offered various banking services including retail banking, corporate banking, wealth management, Islamic banking, and, importantly for many UAE residents, prepaid salary cards known as Ratibi cards
After this merger:
If you have an NBAD card, you can still check your balance online.
How to Check Your NBAD Balance
Checking your NBAD (FAB) account balance is simple and can be done through multiple secure channels. Whether you prefer digital banking, ATMs, or contacting customer service, you can access your balance anytime, anywhere.
NBAD Bank Balance Inquiry Online (Official Website)
Check your account balance of the NBAD ATM card. Follow the mentioned steps to avoid issues. This also works for Ratibi cards if you have one.
خدمات البطاقة – الاستعلام عن البطاقة المدفوعة مسبقاً
NBAD Balance Inquiry – Check PrePaid Card Inquiry
Don’t worry, this method of NBAD balance inquiry system is highly secure, implementing multiple layers of protection, including 256-bit TLS encryption, one-time passwords (OTP) that expire within 2-3 minutes, and automatic account lockouts after three failed attempts.
Using the FAB Mobile App
This method is best for mobile phone users. After the merging of the two banks, the NBAD balance can also be checked from the FAB Mobile App. If you don’t have one, download it from the official link below.
Download the FAB Mobile App from the App Store or Google Play.
Features:
Besides balance checking, there are other useful features of this app that you can use in your daily life.
Note: This method of NBAD balance checking is so popular as of 2025 that nearly 78% of all balance inquiries are done via the FAB app.
Check Balance via SMS
This method of NBAD balance checking is slow and suitable for users without internet access or smartphones
Use the legacy NBAD SMS service. It still works!
Steps:
You will get a reply showing your balance, card number ending, and the date/time.
Example SMS:
FAB Alert: Acc XX**1234
Avail Bal: AED 1,234.56
As of 24-MAY-2025 15:30 GST
Check NBAD Balance Through Whatsapp
To check your NBAD balance through WhatsApp, you need to contact FAB’s customer service via WhatsApp at +1 (704) 771-0476. You can use this messenger service to check your FAB balance and other account details.
If you are not already using their WhatsApp services, you need to register for the first time. This is a security measure so they can verify the identity of the user.
What Is the Ratibi Card?
Ratibi Card is a prepaid salary card that was offered by National Bank of Abu Dhabi (NBAD) specifically designed for employees earning up to AED 5,000 per month. The word “Ratibi” means “my salary” in Arabic, and this card allows workers to receive their salaries directly without needing a traditional bank account.
Most users checking their NBAD balance are Ratibi Card users, so if you are one of them, you can check your balance right away, just click on the button below.
NBAD Ratibi Card Benefits:
Additionally, Cardholders enjoy free personal accident insurance (up to 5x monthly salary or maximum AED 25,000), free SMS alerts on salary credits, and no minimum balance requirements or monthly charges
Common Problems and Easy Solutions
Here are some common issues users face when checking their balance and how to fix them:
Website Not Working
Problem: The balance inquiry website won’t load.
Solution:
Wrong Card Details
Problem: The system says your card details are wrong.
Solution:
No SMS Reply
Problem: You sent an SMS but didn’t get a reply.
Solution:
App Not Working
Problem: The FAB app crashes or shows no balance.
Solution:
Late Salary or Wrong Balance
Problem: Your salary isn’t showing, or the balance seems off.
Solution:
NBAD Balance Check Options Compared
| Method | Available Hours | Speed | Best For |
| FAB Website | 24/7 | 0.8 sec | All users |
| FAB App | 24/7 | 0.5 sec | Smartphone users |
| SMS (6222) | 24/7 | ~9 sec | Non-smartphone users |
| WhatsApp (coming soon) | 6 AM–11 PM | ~4 sec | Chat-friendly users |
Is NBAD card Compliant with UAE Wage Protection System (WPS)?
Yes. The FAB system fully complies with the UAE Central Bank’s WPS, including:
This makes it one of the most reliable platforms for payroll services in the UAE.
FAQs—NBAD Balance Inquiry
1. Can I still use my old NBAD card?
Yes, NBAD cards are now supported by FAB without any need for replacement.
2. How can I check my balance without the internet?
Send an SMS to 6222 with your last 4 card digits (BAL XXXX).
3. Is it safe to check my balance online?
Yes. FAB uses secure encryption, biometric login, and fraud detection.
4. Can I receive my salary on my Ratibi card?
Yes. It is designed for salary payments under the WPS system.
5. What’s the quickest way to check my balance?
The FAB mobile app is the fastest and most convenient way.